央行、銀監會9月30日公布通知，對我國房貸政策做出調整。其中對擁有1套住房并已結清相應購房貸款的家庭，為改善居住條件再次申請貸款購買普通商品住房，執行首套房貸款政策。這一政策為樓市注入了一劑強心針，樓市有望出現“暖冬”。

請看《中國日報》的報道：

The easing of rules allows mortgages on second homes to be treated in the same way as a first mortgage, as long as the buyer has paid off the first loan. Other stimulus measures include the relaxation of terms in withdrawing housing provident funds to pay rent and bolstering the building of subsidized housing.

新政策允許二套房購房者在結清第一套住房貸款的條件下享受和首套房購房者同等的貸款政策。其他刺激措施還包括放松提取公積金支付房租的條件，促進保障性住房的建設。

二套房“認貸不認房”英文表達就是mortgages on second homes to be treated in the same way as a first mortgage, as long as the buyer has paid off the first loan。這一新政正在warming up the property market（促進樓市回暖）。

促使樓市回暖的利好因素包括shortening mortgage approval and disbursement periods（貸款審批和放款速度加快），more new projects launched by developers（開發商推出更多項目）以及continued relaxation of home purchase restrictions by local governments（地方政府不斷放松限購），其中最有效的刺激政策就是中央的二套房貸新政。不過盡管政策利好，不少開發商依然面臨著巨大的de-stocking pressure（去庫存壓力）。

（中國日報網英語點津 陳丹妮）